Advice 1: How to check the correctness of the calculation of pension

Pension the remuneration received by citizens of pension, insurance and other funds at the end of the work, upon reaching a certain age, disability and in some other cases. The state guarantees social security of pensioners, so the pensions are often revised, translated. However, there are cases of incorrect calculation. Such errors are associated primarily with human factors, imperceptible at first glance, the error in the workbook, help with the work can significantly reduce the amount of the pension. If there is any doubt about the correctness of calculation of pension should be counted.

Information on the amount of average monthly earnings for 2000-2001 or for any 60 consecutive months;

Calculator;

A pen or pencil;

Instruction

1

Contact your Pension Fund Office a statement to the chief with a request to verify the correctness of accrued pension since the release, with all allowances, allocations, etc.;

2

Please contact the Main Office of the Pension Fund of its region with the statement to the chief with a request to verify the correctness of accrued pension since the release, with all allowances, allocations, etc.;

3

Independently calculate the amount of the pension. Define the related coefficient, which for the insured persons is 55 percent and increases by 0.01 for each full year worked over and above specified in this paragraph length, but not more than 20%.A woman over 20 years of experience is set to 55%, in 21 years – 56%, in 22 years – 57%. For 40 years or more – 75%(because the limit is not more than 75%);The man behind 25 years of experience is set to 55% for 26 years – 56%, in 27 years - 57%. For 45 years or more – 75% (because the limit is not more than 75%)

4

Determine average monthly earnings. Average monthly earnings is determined by the personified accounting in system of compulsory pension insurance, or for any 60 months in a row. Grounds are documents issued in the prescribed manner by employers or municipal bodies;

5

Determine the average monthly wage in the Russian Federation over the same period;

6

Keep in mind the average monthly wage in the Russian Federation for the period from 1 July to 30 September 2001 for the calculation and increase the size of state pensions, approved by the Government of the Russian Federation. Average monthly salary in the country for the III quarter of 2001. approved by the Government of the Russian Federation for calculation of pensions, determined in the amount of RUB 1671;

7

Calculate the ratio of the average earnings of the insured person to the average wage. In the Russian Federation accounted for the ratio in the amount of not more than 1.2 (with the exception of the far North regions and equivalent areas);

8

Next, identify the estimated amount of the pension according to the formula: the related coefficient x is the ratio of monthly wages x 1671 (this is the average monthly salary in the country for the III quarter of 2001. approved by the Government of the Russian Federation for the calculation of pensions);

9

Next, determine the pension capital according to the following formula. From the calculated pension deduction of the amount of the basic part as of 01.01.2002 in the amount of 450 rubles. The amount received multiplied by the number of months of expected period of payment of old-age pension (depending on the year of assignment of pension, e.g. pension 01.01.2010 - 192 months,from 01.01.2011 - 204 months and so forth, adding 12). The resulting amount will constitute a pension capital in January 2002;

10

Define pension assets taking into account indexation on the date of the appointment as follows. Multiplying the retirement capital on the index of increase for each year from 01.01.2002 g :

2003 - 1,307

2004 - 1,177

2005 - 1,114

2006 - 1,127

2007 - 1,16

2008 - 1,204

2009 - 1,269

2010 - 1,427

2011 - 1,088

11

In the end, the size of the insurance part of the pension will be equal to the sum of the estimated pension capital divided by the period of payment of pension;

12

To the result add the amount of premiums taken into account on individual account on the date of the appointment, according to the individual (personified) accounting of the pension Fund and divided by the expected period of payment;

13

To the obtained size of pension allow the fixed base amount of insurance part (defined by the government of the Russian Federation). This will be the calculated pension

14

Compare the amount received with the amount counted to the pension Fund. If they match, it means that the pension you counted correctly, if not, ask them to count again and explain the reason for the request;

Note

If different regional factors to a salary, taken into account the coefficient to the salary, the incumbent in the area or locality for workers and employees of non-manufacturing industries;

Useful advice

For those living in the far North and equivalent areas, where there are regional factors to a salary, the ratio of the average monthly earnings of the insured person to the average wage in the Russian Federation is considered in the following sizes: not more than 1.4, for individuals residing in these regions and localities in which wage workers installed a district factor in the amount of up to 1.5 not more than 1.7 persons living in the mentioned regions and localities in which the wage workers set a regional coefficient ranging from 1.5 to 1.8 not more than 1.9 for persons living in these areas and localities in which the wage workers set a regional coefficient ranging from 1.8 and above;

Advice 2: How is disability pension

The disability pension is calculated in a mandatory manner to those citizens who for health reasons are not able to work. This type of pensions is appointed as a result of disability, which entails the full or partial disability because of General disease and the presence of insurance. The calculation of the disability pension shall be in accordance with the current legislation of the Russian Federation.

Instruction

1

There are government, labour and social disability pensions. In certain cases the disabled person is given the opportunity to choose the most appropriate type of pension provision. Pension for disability due to accident on manufacture or occupational diseases, is granted and paid by social insurance Fund. It is worth considering that this kind of pension is assigned irrespective on when disability occurred: in the period of work before employment or after termination of employment.

2

There are two ways of how is the calculation of the disability pension. The first method is associated with execution of labour pension, and the second involves the calculation of state pensions. If the disabled person has at least the minimum insurance experience, the accrual of pension benefits is possible based on insurance. Thus, the citizen gets legal right to the registration of a work disability pension. The disabled person has the right to choose which of the varieties of pension payments preferable to him. If the insurance period is missing, then the pension is calculated according to the state rules for calculating social pension benefits. Supplement to the disability pension and other benefits will accrue in accordance with the provisions of the law on pension provision of the Russian Federation.

3

The state disability pension is usually, military personnel, participants of the great Patriotic War, and persons who have suffered as a result of technogenic and radiation accidents. Moreover, the size of surcharges to the variety of pension depends on the amount of pension payments, service life and so on. Social disability pension, is intended, respectively: the disabled, disabled children and disabled since childhood. In this case surcharge to pension will be determined by rules of applicable law.

4

It is important to know that according to the procedure of calculation of pensions regulated by law, payments will be made during the period for which the person was declared invalid. Or until the citizen obsesing age. We must remember that old age pension should not be less than the disability pension that was paid to the citizen.

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